 Think about using a credit card instead of a debit card because you have more consumer protections. And as you're doing your research for your travel, think about having an email account that's not tied to your bank account or your health care account that you use for doing your research and booking your travel. Those can be some different ways that you can protect yourself. Got to stop it there. As Beth said, we're up against the clock. Teresa Payton, always appreciate you coming on with us. Follow Teresa online at TrackerPayton on X, and we'll talk to you next time.